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Erick Francisco
El Sauce is a beautiful city in León department, surrounded by much natural beauty. The majority of clients work in small businesses, and others provide services in various institutions, such as in the case of Erick Francisco, 31 years old.

Erick Francisco lives with his mother in their own home, and teaches students who live in this municipality. Currently he is experiencing difficulties, as his home is getting to be in poor condition. Therefore he had the opportunity to receive a loan from Ceprodel to do improvements to his home.

He has come for the second time to apply for a loan with Ceprodel, in order to buy construction materials such as cement and sand, as well as pay for labor.

He is aware that Kiva and Ceprodel are supporting these kinds of people, and hopes that this institution continues to grant credit, so that he can achieve his main dream of having better living conditions for him and his family.
View original language description ↓
El Sauce Una bella ciudad que pertenece al departamento de León, se encuentra rodeado de muchas bellezas naturales, donde la mayoría de los clientes se dedican al comercio y otros a brindarle servicio a diferentes instituciones como es el caso del señor Erick Francisco de 31 años de edad.

El Señor Erick Francisco Vive con su Madre en su propia vivienda donde él se dedica a brindarle enseñanza a estudiante de dicho municipio y actualmente está pasando dificultades ya que ha comenzado a tener malas condiciones en dicha vivienda por lo que tuvo la oportunidad de recibir un crédito con Ceprodel para el mejoramiento de su vivienda.

Se presentó por segunda vez para solicitar un crédito para la compra de materiales de construcción tales como cemento, arena, y pago de mano de obra.

Está consciente que Kiva y Ceprodel apoya a este tipo de personas y espera que dicho institución le siga otorgando crédito para así lograr sus principales sueños de vivir en mejores condiciones con su familia.

Additional Information


This loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Nicaragua

  • $4,800
    Average annual income
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Erick Francisco to buy cement, sand, and pay for labor.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Oct 19, 2012
Currency Exchange Loss:
Jan 18, 2014